{"id":"payments","slug":"payments","name":"Payments acceptance","shortName":"Payments acceptance","problemStatement":"Charge customers for the agent product.","whenNotTopPick":"Regions/business models Stripe can't support — then local PSPs (out of seed scope).","categoryIds":["cat-auth-payments"],"depotPickProviderId":"stripe","depotPickRationale":"maturity + dx + capability. De facto default.","runnersUpIds":["polar"],"weights":{"capabilityFit":0.25,"pricePerformance":0.18,"latencyReliability":0.15,"developerDx":0.15,"privacyPosture":0.1,"lockInRisk":0.07,"maturity":0.1},"methodologyNotes":"maturity + dx + capability. De facto default.","tags":["payments"],"depth":{"whenNotToUse":{"text":"Regions/business models Stripe can't support — then local PSPs (out of seed scope).","source":"editorial `whenNotTopPick` (data/jtbds.json)"},"whenNotToUseReason":null,"runnerUp":{"providerId":"polar","name":"Polar","overallForJob":8.05,"pickOverallForJob":8.76,"beatsPickOn":["pricePerformance","lockInRisk"],"source":"first resolvable entry of the job's editorially ranked `runnersUpIds`; scores are stored job-weighted scores"},"runnerUpReason":null,"lockIn":{"pickLockInRisk":6,"runnerUpLockInRisk":4,"scale":"0–10 stored curated estimate; higher = more lock-in (worse)","pickExitSignals":[],"runnerUpExitSignals":["open source (provider tag `oss`)"],"pickNotes":[],"selfHostFallback":[],"migration":"Runner-up Polar has lower stored lock-in risk (4 vs 6, 0–10, higher = more lock-in).","migrationReason":null,"derivedFrom":"stored lockInRisk scores, provider tags (oss, self-host, openai-compat, open-models), free rows that list this job, and verbatim provider notes. No migration guide was invented."}},"freshness":{"pick":{"score":{"asOf":"2026-09-14","ageDays":43,"stale":true,"staleAfterDays":30,"reason":null},"lastReviewed":{"asOf":"2026-09-14","ageDays":43,"stale":true,"staleAfterDays":30,"reason":null},"sourceCheck":{"checkedAt":"2026-10-27","sourceUrls":2,"sourcesReachable":2,"pricingRows":0,"pricingRowsReconfirmed":0,"note":"A source re-check confirms the page is reachable and, for pricing rows, that the stored amount and SKU name appear on it. It does not re-derive or change the score.","reason":null}}},"depotPick":{"id":"stripe","slug":"stripe","name":"Stripe","tagline":"Non-negotiable for most commercial agent products. Use Billing meters for token pass-through pricing.","overall":8.76},"runnersUp":[{"id":"polar","slug":"polar","name":"Polar","tagline":"Depot pick for ai-merchant-of-record. Prefer Stripe when you already have tax/ops staff; OpenMeter/Kong when…","overall":8.05}]}